At Flexible Health, our consultants have many years’ experience in dealing with all types of private medical insurance cover, including health insurance for pre-existing conditions.
As part of your application for private medical insurance, you will be required to complete a short medical questionnaire to disclose the exact details of your medical history. Many insurance companies will not cover you for any health conditions that you already have before your policy starts – these are called ‘pre-existing conditions’.
Pre-existing conditions may include conditions such as:
- Heart Disease
- Irritable Bowel Syndrome
and many more.
All insurance companies have their own rules with regard to health insurance for pre-existing conditions, which may also include a multitude of specific medical conditions – anything from recent hip replacements to treatment for osteoarthritis. Health issues such as high blood pressure or raised cholesterol levels may well be covered if they are well managed, though some insurers may insist on a healthy body weight being maintained.
Generally speaking, if there is a risk that a pre-existing condition may need future treatment or specialist led care, then it is likely to be excluded from the policy. Of course, you will still be eligible to take out cover for any other medical problems.
It may also be possible for a temporary exclusion to be placed on the policy for a specified period, which is then removed if you can provide medical evidence to confirm that no further treatment, consultations or medical advice is needed.
At Flexible Health, we will check with the insurers’ underwriters before completing an application if there is any uncertainty over whether your pre-existing conditions will be covered.
If you are looking to take out a private medical insurance plan, talk to Flexible Health’s friendly, professional consultants who will be happy to discuss your particular situation and guide you through the entire process. If you are concerned about health insurance for pre-existing conditions, we will work with you to find the plan that is best suited to you.
For advice on affordable health insurance for pre-existing conditions, call us on Freephone 0800 8497744 or get a free, no obligation quote by filling out the form on the sidebar to the right.